The Blue Oval’s push to offer connect vehicle services has been in motion for several years, now, with all modern vehicles packing an embedded modem as standard equipment. This has allowed the company to offer its own branded insurance service within the FordPass app, in addition to partnerships with established companies like Allstate and State Farm. Today, the company announced that CerebrumX will utilize connected vehicle data from Ford and Lincoln vehicles for usage-based insurance programs.
CerebrumX employs an AI-driven platform, combining data and insights for use with insurers, actuaries, and regulatory bodies in North America for usage-based insurance needs. Eligible Ford and Lincoln owners will not need to install any additional equipment as part of this new endeavor, as the company will use the factory embedded modem for data collection. For customers who enroll in a usage-based insurance program using the data, CerebrumX’s platform will generate a driver and a vehicle score without the need for the policy holder to install an app either, and the score helps insurance companies asses risk and personalize insurance plans for standard Pay As You Drive and Pay How You Drive models.
“By opting into usage-based insurance, Ford and Lincoln owners can be rewarded for their good driving habits with more personalized insurance offerings,” said Amy Graham, Services Marketing Director at Ford Motor Company. “CerebrumX’s platform creates another opportunity for Ford and Lincoln owners to achieve insurance benefits with their vehicle’s connectivity to help reduce their total cost of vehicle ownership.”
As Ford Authority previously reported, the company has also worked to expand access to its vehicle build data to insurance companies and other entities to help them obtain the most accurate data about the company’s models, regardless of whether a customer opts in to a data sharing service that utilizes connect vehicle data. As such, The Blue Oval expanded its relationship with J.D. Power and ChromeData for new vehicles for that exact purpose.
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Comments
I have mixed feelings on this. I’m not a hoon so lower rates sounds good but I’m not comfortable with so much granular tracking and suspect that even non hooners rates would rise over time.
I avoid FB, Android, Hey Google and Alexa for the same reason.
This is Exhibit #1 why Congress needs to pass legitimate data privacy rights for all citizens. Ford (and others) are turning the vehicle you supposedly own into a non-stop surveillance machine. Your data will be used against you. Ford’s actions surveilling drivers, passengers, and everything else within the range of the vehicle’s sensors are profoundly un-American and very Orwellian. This is why Ford hired those Apple executives. Ford wanted to port the surveillance tech inherent in your spy phone into their vehicles. It will only get worse from here.
Agree it’s past time to codify privacy protections. European Union already has taken some steps on this years ago.
As for Orwellian, Orwell wrote about government surveillance, not corporate, but if fascism gets a good hold, the two will become indistinguishable.
But the reality is that while we discuss corporate surveillance for profit, there’s a whole host of warrantless government surveillance that needs to have its wings clipped and brought to respect 4th amendment protections.
Kumbaya RWFA.
Private business is the loophole that allows the 4th Amendment to be trodden upon. Neither the Framers nor Orwell ever imagined businesses as powerful or ubiquitous as they are today. Businesses (Apple, Google, Ford, Axiom, etc.) build the surveillance networks and collect all the information that Government can not directly collect, but Government taps into the information whenever it wants by purchasing or subpoenaing the data. It’s a symbiotic relationship with the individual citizen as the loser.
The EU is the only government that has taken any serious data privacy steps. Adopting their standards would be a giant leap forward for the USA. China is a total surveillance society monitored by a totalitarian government. China is the fulfillment of Orwell’s nightmare.
China is already doing this, through its back door access to all the major tech companies in China ( and probably the world ) and through personnel cell phones with it’s covid testing that cannot be done without a cell phone, and the results showing on the cell phone, little alone cameras everywhere with facial recognition.